Date Received: 2023-08-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33029
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: on XX/XX/XXXX i were vertifyed to add a free phone to my account with XXXX XXXX from the XXXX XXXX XXXX XXXX neglience of my personal information were email, phone no exposed neiglience on XXXX XXXX from XXXX XXXX XXXX XXXX showed me were 210 peoples using my information XX/XX/XXXX XXXX XXXX frauduly took {$52.00} out my account a block were put on my account and my personal card off file too by bank of america dispute.Temporary credited Adjustment credited back to account and stated i am secured.my phone were interrupted of services behind billing own balance each month removed off XXXX XXXX pay monthly in full and still have a balance of $ XXXX are {$27.00} witch taking out of my account XXXX XXXX i saw in my account and its a XXXX XXXX information log into my account he added me for my code like its for to check my account.i keep getting emails asking to upgrade my card are make a payment.on XX/XX/XXXX no network like XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX i recieved the morning of XX/XX/XXXX a call from massachsetts on my phone he asked me did i have network and data promble and be carefull letting xfinity come out they be doing stuff asked me to turn on my phone, lab top and tablet and a app to go i hung up like i call XX/XX/XXXX refered to security dep what XXXX say and i were asked to lift the freeze off my credited cause he see whats going on need to come out to change the lines but have to get it ok firt and prove who i am. and i am under breech victim of idenity theft i will send u a gift card for breech victim in your area. never heard anything else for 7 days until i call and made a appt for XXXX XXXXXXXX XXXX XX/XX/XXXX think he did do something with my account like XX/XX/XXXX call stated 2 peoples using my line.his information in my account XXXX XXXX which i dont have bank of America negligence let XXXX XXXX XXXX get money out my account with a block on my account in XXXX of the {$52.00} unauthorized to do and bank of america and XXXX XXXX in convience me with meeting regarding my new debit card no excess to money need monday the XXXX regarding my apt trying apply and take off market no money on monday.food refile on medication from doctor order for inflammation and pain and for chronic joints pain it time for refille but no money.delayed me for many things delayed waiting on a card in mail didnt put a rush on it.bank of america should have blocked all transaction to my account if i am security like say but didnt block XXXX XXXX from XXXX and paid money i been saying dont own cause XXXX pay in full still gave money to crimminals of XXXX {$27.00} out my account this every month emails for money and changing my XXXX XXXX free plan by XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30078
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Date : XX/XX/XXXX To : Consumer Financial Protection Bureau.gov ( XXXX ) From : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, KY XXXX XXXX : XXXX RE : Complaint against Bank of America NA Checking Account : XXXX Routing # : XXXX Bank of America not paying Checking and Debit Card Rewards and Deals that I have earned and are due me. Bank of America Customer since XXXX Overview : Bank of America has not paid me for my BankAmeriDeals /Rewards on my Checking Account / Debit Card Transactions that I have signed up and earned My rewards balance shows online as {$67.00}. XX/XX/XXXX, Spoke with BoA Customer Service Representative and then her supervisor today. I explained carefully to her that I am signed up for 119 BankAmeriDeals. She said she sees my account signed up for ZERO Bank of America Deals. I have print screens attached that show all 119 Deals. How can an Account Supervisor look at my account and see ZERO deals I am signed up for? Please refer to print screens attached. Also, please note the Customer Service Representative asked me to click on " Browse with Specialist '' so she could see the same screen as I was seeing, I did it gave me a four digit #, which the associate asked me to give her, and she said her screen just was sitting there spinning. Her supervisor would not allow me " Browse with Specialist ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40299
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX XXXX I disputed a charge that appeared on my statement for XXXX. I didn't authorize the charge and I cancelled my debit card. I was satisfied that Bank of America would investigate the company and return the funds to my account. The " company '', XXXX XXXX XXXX, does not exist and there is no phone number to reach them. My efforts to reach them failed. .I recieved a letter from Bank of America on XX/XX/XXXX, letting me know that the credit originally issued was being reversed, along with a XXXX page letter assumed to support their decision. These exhibits, which do not suggest any communication with the merchant simply detail my name, address, the last XXXX numerals of my cancelled debit card. I spoke to the branch manager where I bank and he agreed with me that without identifying and speaking to the merchant a credit should be issued. However when he spoke to the fraud dept he was told once a decision is reached no further action can be taken. This is why I'm asking for your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33714
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/23, I received a package from XXXX 's that was delivered to my apartment building and left by the mailbox. The courier sent me an alert with a photo via email of the package in my building. When I returned home from work that day, which was approximately 2 hours after delivery, the package was nowhere to be found. I filed a claim with XXXX 's regarding the package being most likely stolen, and so they issued me a refund for the amount plus the shipping I paid. However, I was then informed that they couldn't actually issue me a refund when I called back to tell them the refund had not appeared on my card. The full refund would have amount to {$330.00}. I was informed by a representative that the person who clearly stole my package had brought it back to the store it was ordered from, and had exchanged it for XXXX perfume. So since XXXX 's " technically '' issued " me '' a refund or exchange, they claimed they could not issue ME the actual refund which is why I needed to take it up with my credit card. I received correspondence from my credit card with Bank of America which was used for the purchase saying that they issued me the credit while an investigation was done with XXXX XXXX. Around XX/XX/23, I received another letter from BoA saying that the claim was denied in the end and that the credit would be reversed back into a charge on my card. The reasoning behind the denial of the claim was " that the merchandise was available and delivered to the agreed upon location. '' BoA told me they are not responsible for the charge and that XXXX XXXX is also not willing to issue me the refund. However, I feel I should not be responsible for paying this amount due to the fact that I never actually got the package, and the fact that XXXX 's actually got the merchandise back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10019
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Bank of America hit my credit for a new credit card I received it in the mail, then later received a letter that it was locked due to suspicious activity. I never actived it or anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 725XX
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Around XX/XX/XXXX, I sent a CFPB complaint against Bank of America. I had received a text message from Bank of America requesting that I send my debit card information to them. In XX/XX/XXXX, I opened a Bank of America checking account and received a debit card. The debit card was never activated and was kept in my safe. Bank of America responded to CFPB complaint XXXX, that on XX/XX/XXXX, the ATM debit card ending in XXXX was attempted to be used at XXXX XXXX for {$0.00}. Bank of America did not release any additional information. The debit card could not have been used as it is still in my possession. This indicates that Bank of America has a data leak and/or someone within Bank of America used my information to illegally obtain the same ATM card. Around XX/XX/XXXX, Bank of America received a certified return-receipt letter from FTC Identity Theft case XXXX. To this date, Bank of America has yet to respond to the FTC requests in 1 ) providing all information about the non-activated debit card use and 2 ) close the account and issue a new account. Instead, I have decided to completely close the account with Bank of America. However, Bank of America does not allow for account closures online. Bank of America customer service representative also would not waive the {$12.00} service charge generated because I moved all funds from the compromised account and wanted to close the account prior to the charge date. A second letter dated XX/XX/XXXX, from the FTC is en route to Bank of America. In accordance with FTC recommendations, I want Bank of America to refund the incurred maintenance fees and completely close the account as I no longer wish to do business with Bank of America over their handling of this fraud and identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77009
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: In XX/XX/XXXX, I received correspondence from Bank of America regarding a fraudulent checking account opened in my name. I called and filed a fraud claim and went to local branch in XXXX, MD who advised the account was closed and they were going to investigate. In XX/XX/XXXX or XX/XX/XXXX, I received correspondence confirming the closure of account and I was not liable. In XXXX or XXXX of XXXX, I received correspondence and a debit card from Bank of America. I called and was placed on hold 2x and was expecting a call back and never did. I received notification from the Credit Bureau that Bank of America opened a checking account in my name in XX/XX/XXXX. Bank of America is reckless in their efforts in protecting consumers by having such lack security and safeguards. There's no way accounts should be able to be opened without identification and the fact its on record from XX/XX/XXXX that I have never had a account with Bank of America nor will ever have an sort of account with Bank of America. Bank of America needs to be held accountable for their inability to protect consumers when they have knowledge of prior fraud. This is absurd, time consuming and nerve-wrecking.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20603
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I opened a Bank of America home equity line of credit in XXXX for the amount of {$12000.00}. I have been paying on this loan for almost 20 years, it still shows that I have a balance of almost {$4000.00}. Today, XX/XX/XXXX, I checked my credit report and looked under closed accounts and saw that the Bank of America account was closed in XXXX. However, I never received any notification or documentation of changes to my account. Last month, on XX/XX/XXXX, I logged onto my account to make a payment of {$100.00}. I tried to login today and I received a message saying they were unable to process my request because there are no eligible accounts associated with my ID, even though I did not change anything. So, it is clear that something has gone on with my account that I am not aware of, and I have been making payments for all these years. Also, the fact that I still owe this amount of money after close to 20 years of payment, is ridiculous!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am requesting that you verify this debt and provide me with documentation that proves that I owe it. I am also requesting that you remove this debt from my credit report if you are unable to verify it. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA gives me the right to dispute inaccurate or incomplete information on my credit report. If you are unable to verify this debt, you are required to remove it from my credit report. I would appreciate it if you could investigate this matter and take the appropriate action. I look forward to hearing from you soon.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A